@lemonlulu - This student will not qualify for a Pell grant unless there is a huge reason for professional judgment. This student will most likely not qualify for federal workstudy money unless there is a pretty big reason for professional judgment. Provided the student qualifies to file the FAFSA, the student will get the federal loan, some of which might even be subsidized. So it really is up to the parents to decide whether they want to bother to file any financial aid paperwork. If they can cover all the costs themselves, they certainly are free to do that.